The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$2,181
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,249
−HK$69/mo
Today · 4.125%
HK$2,318
baseline
▲ 0.50% · 4.625%
HK$2,459
+HK$141/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$4,636/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,426
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,492
−HK$66/mo
Today · 4.125%
HK$2,558
baseline
▲ 0.50% · 4.625%
HK$2,692
+HK$134/mo
Deposit HK$478K · loan HK$478K · min. income ≈ HK$5,116/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,617
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,699
−HK$82/mo
Today · 4.125%
HK$2,781
baseline
▲ 0.50% · 4.625%
HK$2,951
+HK$170/mo
Deposit HK$383K · loan HK$574K · min. income ≈ HK$5,562/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,912
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,990
−HK$79/mo
Today · 4.125%
HK$3,069
baseline
▲ 0.50% · 4.625%
HK$3,231
+HK$162/mo
Deposit HK$383K · loan HK$574K · min. income ≈ HK$6,138/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,054
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,148
−HK$97/mo
Today · 4.125%
HK$3,245
baseline
▲ 0.50% · 4.625%
HK$3,442
+HK$197/mo
Deposit HK$287K · loan HK$670K · min. income ≈ HK$6,490/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,397
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,488
−HK$93/mo
Today · 4.125%
HK$3,581
baseline
▲ 0.50% · 4.625%
HK$3,769
+HK$188/mo
Deposit HK$287K · loan HK$670K · min. income ≈ HK$7,162/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,926
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,048
−HK$124/mo
Today · 4.125%
HK$4,172
baseline
▲ 0.50% · 4.625%
HK$4,426
+HK$254/mo
Deposit HK$96K · loan HK$861K · min. income ≈ HK$8,344/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,368
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,485
−HK$119/mo
Today · 4.125%
HK$4,604
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$242/mo
Deposit HK$96K · loan HK$861K · min. income ≈ HK$9,208/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).